Tag Archives: Cathy Hernandez

Any Baby Can’s 23rd Annual Style Show & Luncheon

September 14th, 2017 — Our friends at Any Baby Can hosted their 23rd Annual Style Show & Luncheon at The Pearl Stable. The spirit of this event is fashion, philanthropy, and friends — style that goes the extra mile. Proceeds from this fabulous celebration enable Any Baby Can to continue providing services, at no cost regardless of income, to families of children and youth with special health care needs. By providing crisis assistance, counseling, autism services, sibling support, prescription assistance and health and wellness services they move families from crisis to care.

Coldwell Banker D’Ann Harper, REALTORS® is a long-time advocate for Any Baby Can. D’Ann Harper, former board chair, personally values the work Any Baby Can provides to the community. D’Ann served on the Board of Directors for Any Baby can since 2009, and served as Board Chair from 2013-2015. She was in attendance alongside Sales Agents from the Coldwell Banker D’Ann Harper, REALTORS® brokerage. Money raised from this event and others like it that hosted throughout the year, such as Fore Any Baby Can, fund many of the programs offered.

If you would like more information about how to can help, visit their website, www.anybabycansa.org.

Mortgage Questions Answered: Getting A Guarantee

While many homebuyers understand that contacting the right mortgage lender is important, some of the other details however, become foggy. The mortgage process has many layers and often includes quite a bit of paperwork.

Before the “fun part” of delving into a home search takes place you will need to prove that a bank will lend you the funds needed to purchase a home – or in some cases how much that is. Consumer Financial Protection Bureau (CFPB) is designed to help buyers understand their loan options and shop for the best mortgage. In their “Know Before You Owe” initiative to make the mortgage process easier, a website with full information was designed for reference. That website can be found here:
www.consumerfinance.gov/know-before-you-owe

PRE-APPROVAL. Once you have selected a lender you can trust the next step is the Pre-Approval process. A loan officer will require documentation to determine qualification. This can include:
• Credit Report
• W-2’s
• Pay stubs
• Current Federal Tax return
• 2 months of bank/investment statements
At this point your credit will be reviewed. The loan data will then be put through underwriting. It can be a period of weeks or months from the time of pre-approval to an actual accepted offer. During that time the loan officer will (or should) address anything that comes up on your credit. (This would be a great time to AVOID large purchases or charging that new couch on your credit card).

Each situation is unique and requires experienced professionals. It is also worth mentioning that you should ask plenty of questions during the entire process.

Typically you will get a PREQUALIFICATION LETTER, this is when the interview and credit review are complete. As long as all the paperwork aligns with the lenders parameters this is the letter you will likely get. Several other types of letters are:

PREAPPROVAL LETTER. This happens when the lender takes an extra step in examining credit, assets and income. While many lenders use the phrase “preapproval” for letters, the most common type of letter is the prequalification mentioned above.

COMMITMENT LENDER. When the loan hasn’t received the final approval stage, the commitment letter shows that the loan is approved conditionally under the current circumstances. Basically, the underwriter is saying that so long as everything remains the same you qualify with the information provided. This would be the ideal situation, but given the timelines most sale agents work with, achieving those requirements can be challenging. Should you want to pursue this, it will need to be requested.

When you have one of these letters in-hand, then the home search can truly begin. Being one of the biggest investments you will make, keep in mind that the entire process will take time. It is best to go into this journey with patience and preparedness.

If you have questions and would like to discuss how you can start the journey to owning your next (or first) home, call Cathy Hernandez a licensed REALTOR® with Coldwell Banker D’Ann Harper, REALTORS®!

Cathy Hernandez

Cathy Hernandez, REALTOR®
18756 Stone Oak Pkwy., Ste 101
San Antonio, TX 78258
(210) 842-1860
chernandez@cbharper.com


(210) 483-4663 OR send us an email PR@CBHarper.com

Blood Drive August 2016

August 4th 2016Coldwell Banker D’Ann Harper, REALTORS® partnered with Covenant, located on the first floor of our Tuscany Center building at 18756 Stone Oak Pkwy., for this summer’s blood drive. Our goal was to collect 11 pints of blood, but we exceeded that by collecting 17 pints of blood. Each pint of blood can save up to 3 lives, which means we saved 51 lives.

Everyday the South Texas Blood & Tissue Center needs over 600 units of life saving blood. One whole blood donation can save up to 3 lives. Patients needs do not take vacations or holidays, the need is ongoing.

A special thank you to everyone who donated, helped get donations and helped with the drive. We would like to take this time to recognize Mika Connor who coordinated the master donor list, Sharlene Richards who gathered names on the 3rd floor and David Akright for recruiting volunteer donors at Covenant.

Our next blood drive is scheduled for December 1, 2016. Until then, if you would like to visit one of the South Texas Blood & Tissue Centers offices to make a blood donation, they can be found here:
http://southtexasblood.org/give-now/locations-hours

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Congratulations GRI Graduates

Congratulations to our recent GRI graduates!

Cathy Hernandez: Over 20 years of experience in business, marketing, leadership and management. Happily married for 23 years with 2 children.

Bizzy DarlingAs a native of San Antonio and a Boerne resident for the past 15 years, Bizzy Darling is uniquely familiar with both communities as well as the surrounding areas.

Sharon KellySharon values time, open lines of communication, and prides herself on doing the right thing. 

Stacy WheatonWhether buying, selling or leasing, she will provide for you the finest quality real estate services at a fair value, and do it efficiently and enthusiastically.

Neelam KingerHolds an accounting degree with seven years of experience in banking and fifteen years of personal business. Married with three children; she lives in the city of San Antonio for the past seventeen years. Loves to deal with people from all walks of life. 

Shannon Miller: Shannon has lived in Texas for 30 years, and made San Antonio her home 22 years ago. She takes great pride in finding her clients a perfect home to buy, or helping her clients sell their current home. 

Janette SpringerJanette is a life-long Texan with her husband, Glenn, of 26 years in the San Antonio area. Her love of people and wanting to help them compliments a love to work in the real estate field. She and Glenn have raised two sons and is a proud Aggie mom.

Well done ladies and thank you for sharing a little bit about yourselves.

Earn the GRI Designation

In today’s competitive business environment, it often takes more than just motivation and initiative to succeed. Earning the Graduate, REALTOR® Institute (GRI) designation is a way to stand out to prospective home buyers and sellers as a REALTOR® who has gained in-depth knowledge on technical subjects as well as the fundamentals of real estate.